We offer flexible finance options to help you access the AV equipment you want. If you are considering a finance plan, before choosing one be sure assess your financial situation to ensure you can comfortably afford the monthly payments.

Keep in mind, late or missed payments may incur fees and affect your credit score. If you have questions about our finance options, our customer support team are unable to advise, however for guidance on managing your finances and making the right choice for your personal situation, please visit the UK's Money Advice Service website here.

For purchases between 302 - 12,000, Klarna Finance options are available:

• 48 Months at 14.90% APR
• 36 Months at 19.90% APR
• 24 Months at 19.90% APR
• 12 Months at 0.00% APR (available for purchases up to 1,206)

To explore the Klarna finance products available to you, select 'Place order using Klarna' at checkout and complete your purchase within the Klarna portal. Gear4music Limited acts as a credit broker and offers credit products from Klarna Finance, receiving a commission if your application is successful.

Applying for Klarna Finance couldn't be easier - if your order totals 302 or more, simply proceed through the checkout as normal, then select Finance on the payment page, then click the orange PLACE ORDER USING FINANCE button. This will start your application with Klarna and completing this form should take seconds.

You should get an instant answer on whether your application has been successful.

Terms & Conditions

Gear4music Limited trading as AV.com (Holgate Park Drive, York, North Yorkshire, YO26 4GN) is authorised and regulated by the Financial Conduct Authority ("FCA") (FRN 706272) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Financial Services UK Limited (company number 14290857), which is authorised and regulated by the FCA for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Finance is only available to permanent UK residents aged 18+, subject to status, T&Cs apply. Klarna.com/uk/terms-and-conditions.

Apart from Klarna, we also offer flexible financing through V12 Finance. See the details below.

For purchases between 603 - 18,000, V12 Finance options are available:

• 48 Months at 19.90% APR Representative
• 36 Months at 19.90% APR Representative
• 24 Months at 19.90% APR Representative
• 12 Months at 0% APR (available for selected items over 1,000)
• 6 Months at 0% APR (available for selected items up to 1,205)

To help you understand how our V12 finance options work, the examples below are based on a total order value of 1,000:

Applying for V12 finance couldn't be easier - simply proceed through the checkout as normal, then select Pay By Finance on the payment page, then click the orange APPLY FOR INSTANT FINANCE button. This will start your application with V12 Finance, our finance partner, and completing this form should take seconds.

You should get an instant answer on whether your application has been successful and if you don't, you will receive an email with instructions regarding what to do next.

Terms & Conditions

Gear4music Limited trading as AV.com is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 706272. Gear4music Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.

If you have a complaint are dissatisfied with our response and your agreement is regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of the final response or 8 week holding letter. Further information and contact details can be found on www.financial-ombudsman.org.uk.

Finance is available on orders over 302 placed via our website, inclusive of delivery options.

Applications are subject to minimum spend, Terms & Conditions apply, available to applicants aged 18 and over.

To apply for finance, you will be asked to provide the following:

• Address history for the last 3 years
• Employment and income information
• Bank account number and sort code
• Email address

Warranties can not be purchased on finance. If you wish to purchase warranties, please choose another payment method or contact us after placing your order and we'll be happy to help you.

When you select Finance as your payment option, the credit provider will conduct a hard assessment, and will offer finance options if you are eligible.